We are a hugely excited group of financial experts,
professors and bankers even up to central banking level. We think we have something
to interest you very much as it would fulfil some of your dreams to help
mankind. And only someone in your kind of position can act fast enough and with
enough ‘clout’ to get things done and save the world a lot of agony.

Two one page letters are attached. One is from a group
member who excels at salesmanship. The other is from our CEO who prefers a
scientific and rigorous approach.

We hope to get a favourable response.

Best wishes,

Etc

Attach both letters belowI will post the combination of all three shortly to save readers searching this page. I have also made some small edits to correct grammar or reduce the words.

3rd July 2015 I will now add the current draft which combines Gilberto's one slightly modified by Edward with Additional pages written by Edward.After that you can read the previous letter drafts and how they appear on letterhead.

Dear
Mr. Gates.

We
hope this finds you well.

Imagine
you could press CTRL-ALT-DEL and restart/reset all crashes, stalls, and
conflicting processes in the World Economy. Imagine that this restart includes
an operating system upgrade which will eliminate not only future crashes for
the rest of this century, but is fully compatible with all current hardware and
software in use, making the transition transparent to most and making the
existing resources more productive and efficient. Well, that is exactly what
Edward and our network of multidisciplinary intellectuals and visionaries have
been creating, developing and refining for over 20 years, especially thanks to
your contributions to the state of technology and global communications today.
This group has contributed voluntarily without any compensation except for the
hope that it will help humankind to overcome the unmanageable global economic
crisis.

Our
efforts are focused not on technology but on Macroeconomic Design on a global
scale. An examination of the financial and management framework of the world’s
economies reveals that some core principles of economics and management
sciences are being overridden. The result is an entirely predictable
instability, unmanageable complexity and exponentially increased risk
throughout the world economic system.

We’ve
designed a group of innovative and compliant (with basic principles) ideas and
stabilization mechanisms to reset the way we do financial transactions –
savings, investing, real estate, banking, government financing and foreign
exchange – which we believe will provide flexibility and inherent stability and
which are entirely compatible with current economic, trade, banking, financial,
and government systems. This is not a political or any sort of radical movement.
We have just found a way to build a new macroeconomic system to do the same and
better job than the current one, which will maintain the basic principles of
freedom, opportunity, capitalism, wealth preservation and maximization of real
capital and productivity worldwide.

In
the documentation included with this letter, you will find an outline of the
substance and some limited detail of our core work, and the positive feedback
from knowledgeable experts from every continent. We’ve come to the point where we
need a group of selected people dedicated to formalize a decade of research and
promote these ideas to those with the power to implement them. For this, we
need financial support from people like you or your philanthropic foundation.

We
firmly believe that the implementation of this work can and will benefit
everybody everywhere and stabilize the world economy in less than a decade,
setting the basis for another century of human progress. I exhort you to
evaluate this proposal with your team and contact our group to discuss it further
so you can decide to be part again in the realization of this wonderful dream.

Kind
Regards,

The
Marketing Team from Prosperity Renaissance @ LinkedIn, the Macro-Economic
Design Group @ LinkedIn, Firstsource Money affiliated to Positive Money, and we
are supported through a column granted to our head of research, Edward C D
Ingram @ www.fin24.com – a leading news
journal and financial magazine in South Africa.

END OF ONE PAGE LETTER - NOW THE OTHER PAGES ATTACHED: -

PAGE
2

ADDENDUM

THE SUBSTANCE

Achieving economic stability does not mean fixed or anchored in
concrete. It means being adjustable so that all of the inevitable variables can
carry on without disturbing the economic balances of spending, nor taking down
confidence levels, nor destroying savings, businesses, or governments in the
process of adjustment. If the financial framework is tweaked correctly, all
prices, costs and values will adjust smoothly, unlike now, as in housing, debt
values, quantity of credit, (boom and bust), and currency values. All of these
things are constantly getting out of balance. The problem is very basic – if
the text books were correct in saying that prices adjust in a free market to
bring about a balance, then none of this extreme instability would occur.

The tweaking needed comes in three sections.

#1. The respected Project Syndicate Group has just published a
paper which shows housing finance Is the
largest boom and bust problem area, capable of taking down economic output for
many years and by far more than any other sector. Five years after such an
event economies normally have 9% lower output than would otherwise be expected.
The research work covers the whole area of the structure of savings, housing
finance, government, and commercial finance. Reforming the wording of these
savings and lending contracts would stabilise all of these sectors, and end
mass repossessions and huge distress for millions of families, businesses, and
government finances. It would enable central banks to raise interest rates
without worrying. It makes banking more sustainable and lowers all costs
significantly. This alone might add 1% p.a. to sustainable world output.

#2. Another area has a great deal in common with the findings of Firstsource
Money, and the increasingly effective ‘Positive Money Campaign’, which is also
supported by the Financial Times. Integrating these jointly held findings on
credit management with the other proposed changes in sections #1 and #3, will
significantly increase their effectiveness.

#3. Finally, between half and two thirds of world business is suffering from
instability in the price of foreign currency. This is a major new problem area.
It was not always like this – see chart on page 3. It is a contributing factor
in slowing business plans, confusing interest rates, and threatening the whole
benefit of growing world trade. The source of the problem is clear: one currency
price cannot cope with two separate fields of operation.

SUPPORT GROUPS

The ideas, originating from the Macro-Economic Design Group at
LinkedIn and the connected IngramSure team, are shared with other research
groups to which we are linked including the Prosperity Renaissance Group leaders
at LinkedIn. We get a lot of page views from the Rethinking Economics Group. Total
page views from all sources now exceed 90,000. The editors of www.fin24.com provide us with a
column of our own which is highly
regarded. Our combined groups probably lead other researchers in all
areas, especially on the manner of implementation which in some cases can be
fast and smooth.

PAGE 3

FACTS

One third of global output is exported. One third is imported.
Approaching half or two thirds of global business planning depends upon the
forecast currency price which is very unsafe and unstable.

PAGE 4

ILLUSTRATIONS
OF OUT-OF BALANCE

INSTABILITY IN HOUSING

The Housing Sector and the Bond Sectors are over-sensitive to
interest rate changes:

Lost wealth? Why was it there in the first place? Supply and
demand were not in balance.

PAGE 5

There is plenty of instability (out of balance) there.

And this is the reason why:

The table illustrates the effect of an attempt to return to
normalised interest rates on the cost of housing finance. It is just about
impossible.

PAGE
6

A
longer term view shows that housing is still over-priced. Interest rates are
still too low. The bubble has burst and confidence in buying, together with a
stock over-hang, has slowed demand. But the market is still over-priced. Houses
are still too affordable because the cost of repayments is too low.

INSTABILITY
IN BOND VALUES

USA
Treasuries. The chart shows the % change in each year in the true value of
bonds as seen on the stock market and adjusted for rising incomes – essentially
how much % more income you can buy with the proceeds of a stock sale than the previous
year. Period: 1980 – 2005. It varies from +27% in a single year to around -12%
in a single year. Multiply that by a GDP of debt to get a feel of how costly
this is to the nation. These are often defined as risk free assets...

PAGE
7

This
cost the US Treasury some 9% p.a. more than would be needed to preserve the
value of the debt, falling to around nothing by the end of the period. The value
index used is units of National Average Earnings / Income, NAE, which is a
benchmark for pension savings growth.

With
Bond Values now inflated the potential for losses is similarly dramatic.

The
Share Market has always been volatile and it reflects a lot of different things
including the herd instinct, confidence levels, interest rates, and inflation
expectations.

In
the face of all this Central Banks keep trying and failing to raise interest
rates:

The
difficulty is the inflated bond and property values and the super-low cost of borrowing
together with the sensitivity of these values to interest rates. There is also
a currency factor – as interest rates rise currency tends to rise, hurting export
businesses which account for a third of global output.

BALANCE
OF TRADE

Having
the cost of the currency not reflecting the balance of trade is a big problem.

BOOM
AND BUST CYCLES

There
is an increasing realisation that credit cycles are involved in creating booms
and busts. There are two reasons for excessive credit and the resulting bubble
in spending.

One
is all of the above.

PAGE
8

The
other is the way in which credit availability and demand for credit are
managed. Interest rates are a price and a price is supposed to balance supply
with demand. But if the supply is not limited to what the nation can afford,
then the price is not able to balance supply with demand. The management system
is demand driven and demand is subject to sentiment which follows rising assets
values upwards and leads to panic buying alongside a feeling of strong economic
growth and job security. Then the bubble bursts and sentiment crashes. Demand
ends and debt pay-down begins.

Engineers
would describe this as a loose control system. If the steering of a car was as
loose as this then it would veer to the left and then veer to the right. It is
the same with credit management.

AFTER-THOUGHT

One
of our team wants to add this:

"We
are keenly aware that economic instabilities can cause havoc in countries which
need help the most. We believe that our system can smooth the economies of all
countries; but this will have the most impact in places where an unstable
economy can be the difference between life and death for thousands of people. A
stable economy is a prerequisite for a good infrastructure; and a good
infrastructure is the single most helpful thing when solving a crisis - be it
in mortgages, a malaria outbreak, or an HIV vaccine. A more stable economy can
and will save lives and can help organisations like yours deliver help far more
efficiently and effectively. We believe that we have a system which does just
this, and which will pay for itself many times over."

IMPLEMENTATION

The
big question which needs an answer and which is expected to come out of
discussions with the proposed study group is what changes to make, when, and
how. The already existing team of researchers has some of the answers but needs
assistance with others. In turn, policy makers are not going to do anything
that looks too risky. A careful joint
appraisal at sub-policy-making level needs to draw on the expert analyses and
knowledgeable suggestions which took a decade to arrive at. Writing a book, or
writing endless papers cannot do this. It has to be teamwork. It has to be now.

Imagine you could press CTRL-ALT-DEL and restart/reset all crashes, stalls, and
conflicting processes in the World. Imagine that this restart includes an
operating system upgrade which will eliminate not only future crashes for the
rest of this century, but is fully compatible with all current hardware and
software in use, making the transition transparent to most and making the
existing resources more productive and efficient. Well, that is exactly what me
and my network of multidisciplinary intellectuals and visionaries have been
creating, developing and refining for over 20 years, especially thanks to your
contributions to the state of technology and global communications today. This
group has contributed voluntarily without any compensation except for the hope
that it will help humankind to overcome the unmanageable global economic
crisis.

Our
efforts are focused not on technology but in Macroeconomic Design on a global
scale. Also due to the globalization of all areas of human interactions because
of the current state of technology and global communications, an examination of
the financial and management framework of the world’s economies reveals that
some core principles of economics are being overridden. The result is an
entirely predictable instability, unmanageable complexity and exponentially
increased risk throughout the system.

We’ve
designed a group of innovative ideas and stabilization mechanisms to reset the
way we do financial transactions – savings, investing, real estate, banking,
government financing and foreign exchange – which we believe will provide
flexibility and inherent stability and which are entirely compatible with
current economic, trade, banking, financial, and government systems. This is
not a political or any sort of radical movement. We have just found a way to
build a new macroeconomic system to do the same and better job than the current
one, which will maintain the basic principles of freedom, opportunity,
capitalism, wealth preservation and maximization of real capital and productivity
worldwide.

In
the documentation included with this letter, you will find the substance and
detail of our core work, and the positive feedback from knowledgeable experts
from every continent. We’ve come to the point where I need a group of selected
people dedicated to formalize a decade of research and promote these ideas to
those with the power to implement them. For this, we need financial support
from people like you or your philanthropic foundation.

We
firmly believe that the implementation of this work can and will benefit
everybody everywhere and stabilize the world economy in less than a decade
setting the basis for another century of human progress. I exhort you to
evaluate this proposal with your team and contact me to discuss further so you
can decide to be part again in the realization of this wonderful dream.

Kind
Regards

This draft is from Edward Ingram:

Dear Mr. Gates,

An examination of the financial and management framework of the world’s
economies reveals that some core principles of economics and management systems
which are being over-ridden. The results are entirely predictable instability throughout
the system.

The
purpose of writing to you is to ask for assistance in putting together a well
paid group of sufficiently influential people to go through our research teams’
work with us on what changes are needed. The
peer reviews are highly encouraging. The support is widespread (see page
2). One professor says that the ideas will become prescribed reading at
universities. It is virtually ready for implementation.

After a
decade and more of work, some of the researches are already 99% completed. They
just need to be finalised at government policy-making level and implemented. It
is believed that the stage has been reached now where their immediate
application can speed world economic recovery faster than anyone previously
imagined.

The same
conclusion was reached in 2008 by an actuarial analyst at one of the world’s
big four consultancies as may be seen on the PEER REVIEWS page of our main
website.

Perhaps you would like to pass
the website links to someone to read and come back to us with any questions
he/she may have on this proposal? A short summary of all of the areas covered
is attached.

Kind
Regards,

Edward
Ingram on behalf of

·The IngramSure
Research Group for Macro-economic Design

·The Prosperity
Renaissance Group, which has been reading my essays and discussions for years,

·The Firstsource
Money Group which is affiliated to the Positive Money Group and

·The editors of
www.fin24.com – South Africa’s leading Financial News Magazine online where I
am a columnist, having written 43
essaysfor them on this subject
already. They can be found by searching on site for ‘edward ingram’.

page 2

THE
SUBSTANCE

Achieving
economic stability does not mean fixed or anchored in concrete. It means being adjustable
so that all of the inevitable variables can carry on without disturbing the
economic balances of spending, nor taking down confidence levels, nor
destroying savings, businesses, or governments. All prices, costs and values
will adjust smoothly, unlike now, as in housing, debt values, quantity of
credit, (boom and bust), and currency values.

#1. The respected Project Syndicate Group has just published a
paper which shows housing finance as
the largest boom and bust problem area, capable of taking down economic output
for many years and by far more than any other sector. Five years after such an
event economies normally have 9% lower output than would otherwise be expected.
Our work covers the whole area of the structure of savings, housing finance,
government, and commercial finance. Reforming these contracts would stabilise
all of these sectors, and end mass repossessions and huge distress for millions
of families, businesses, and government finances. It would enable central banks
to raise interest rates without worrying. It makes banking more sustainable and
lowers all costs significantly. This might add 1% p.a. to sustainable world
output.

#2. Another idea of ours is shared by other research groups to which we are
linked including Firstsource Money, and the increasingly effective ‘Positive
Money Campaign’, which is also supported by the Financial Time. Integrating
their findings on credit management with the other proposed changes, #1 and #3,
will significantly increase their effectiveness.

#3. Finally, between half and two thirds of world business is suffering from
instability in the price of foreign currency. This is also a major new problem
area. It was not always like this – see chart. It is a contributing factor in
slowing business plans, confusing interest rates, and threatening the whole
benefit of world trade. The source of the problem is clear: one price cannot
cope with two separate fields of operation.

SUPPORT GROUPS

Our
ideas are shared with other research groups to which we are linked including
Firstsource Money which in turn is partnered to the increasingly effective
‘Positive Money Campaign’, which is also supported by the Financial Times, the
Prosperity Renaissance Group at LinkedIn has come out in support, and we get a
lot of page views from Rethinking Economics Group. The editors of www.fin24.com provide us with a
column of our own which is highly regarded. Our
combined groups probably lead other researchers in all areas, especially on the
manner of implementation which in some cases can be fast and smooth.